@BlubbBlubb
My search brought up this:
http://navyfield.com/Community/Forum/View.aspx?page=2&num=333&category=D01&searchType=0&searchValue=torp&pageCount=0&sort=5&page1=1
meaning, the torp reload cap is lower than you assume, at around 1.01 M TA, but higher than I recalled ;)
The other points you make are not so important for torp men overvetting:
- repair ability while submerged is only 30% of ability surfaced - it seems useless now to optimise a sub for repair - rather go for longer OH time.
- from SS5 onwards, there are no problems of space for "fat crew" anymore.
Conclusion of all this for OP:
Your torpmen lvl 100, with 100 vets, rest experts, have at least 2.5 M TA. They don't need any more vets.